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I found a 180 loophole to income-based repayment schemes
| spectacular startled half-breed | 03/14/19 |
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| spectacular startled half-breed | 03/14/19 |
| cerise theater stage puppy | 03/14/19 |
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Poast new message in this thread
Date: March 14th, 2019 8:49 PM Author: spectacular startled half-breed tl;dr Income is calculated post-401k contribution, so max your 401k in the month you use to certify income
The income-based programs allow you to use a paystub to certify income and use taxable income to estimate your income.
What I did was max out my 401k one month: I make $14.5k/month (paid monthly), and Vanguard maxes out at 75%, so put up about 10k into my 401k, leaving my monthly income as ~$4.5k. I submitted this paystub to the loan servicer and now have a ~$200/mo payment.
This is 180 because even if I go the entire 25 years, it doesn't come close to my total loan value. Also, time value of money and I also expect further loan relief. Worst case scenario I get rich and have to pay back my loan. |
Date: March 14th, 2019 8:50 PM Author: cerise theater stage puppy LJL at proles who have to repay loans. (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#37932659) |
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Date: March 14th, 2019 8:51 PM Author: spectacular startled half-breed Actually it's incredibly prestigious to let the government pay hundreds of thousands on your behalf and then stiff the government on the repayment. (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#37932664) |
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Date: March 14th, 2019 8:52 PM Author: cerise theater stage puppy (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#37932669) |
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Date: June 24th, 2019 10:35 PM Author: Territorial senate really tough guy (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435257) |
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Date: June 25th, 2019 11:26 AM Author: Self-absorbed brunch (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38437252) |
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Date: June 25th, 2019 11:41 AM Author: Dark Big-titted New Version Trust Fund (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38437328) |
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Date: January 6th, 2021 12:17 PM Author: Lemon slap-happy milk (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#41688316) |
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Date: March 9th, 2023 7:26 PM Author: Galvanic Forum (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#46031448) |
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Date: April 22nd, 2019 7:50 PM Author: spectacular startled half-breed Elizabeth Warren bump (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38126710) |
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Date: June 24th, 2019 9:52 PM Author: Tan native french chef So fraud. Would bet the house you're Jewish (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435038) |
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Date: June 24th, 2019 9:54 PM Author: Irradiated Submissive Indian Lodge the entire system is fraud on multiple levels (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435041) |
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Date: January 6th, 2021 12:18 PM Author: Lemon slap-happy milk (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#41688319) |
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Date: June 25th, 2019 11:39 AM Author: spectacular startled half-breed (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38437321) |
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Date: January 6th, 2021 12:18 PM Author: Lemon slap-happy milk Just pay back money so bantu kikes can enjoy a healthy treasury Eat shit |
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Date: June 24th, 2019 9:57 PM Author: Curious useless liquid oxygen abode it's not a loophole. you're supposed to report material changes in your income. you don't think that your income going up by 300% the next month is a material change? (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435049) |
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Date: June 24th, 2019 10:15 PM Author: sadistic blood rage (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435145) |
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Date: June 24th, 2019 10:16 PM Author: Tan native french chef He's Jewish. I've heard this "loophole" logic used to justify various forms of fraud (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435159) |
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Date: June 24th, 2019 10:26 PM Author: Irradiated Submissive Indian Lodge OY VEY PAY UP UR SHEKELS! (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435215) |
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Date: June 24th, 2019 10:27 PM Author: Curious useless liquid oxygen abode jews being jews doesn't justify fraud. have some integrity. (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435222) |
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Date: June 24th, 2019 10:27 PM Author: Irradiated Submissive Indian Lodge OY VEY ITS ANNODAH SHOAH! (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435226) |
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Date: June 24th, 2019 10:32 PM Author: Tan native french chef https://www.google.com/amp/s/amp.app.com/amp/740083002
Loophole or nah? |
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Date: June 25th, 2019 2:09 PM Author: spectacular startled half-breed (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38438246) |
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Date: July 28th, 2019 4:27 PM Author: Passionate stead (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38601731) |
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Date: June 25th, 2019 11:41 AM Author: Dark Big-titted New Version Trust Fund (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38437336) |
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Date: June 24th, 2019 10:29 PM Author: Mentally impaired disrespectful selfie lodge What is the largest percent that is immaterial friend? (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435238) |
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Date: June 24th, 2019 10:37 PM Author: Curious useless liquid oxygen abode (110 iq redditor asking "but where do we draw the line?") (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435274) |
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Date: June 24th, 2019 11:03 PM Author: Mentally impaired disrespectful selfie lodge No (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435416) |
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Date: June 24th, 2019 10:38 PM Author: green hairraiser faggotry 25% is pushing it (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435284) |
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Date: June 24th, 2019 11:07 PM Author: contagious milky famous landscape painting dingle berry cr, this faggot needs to be prosecuted (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435434) |
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Date: June 25th, 2019 11:39 AM Author: spectacular startled half-breed You misunderstand this checkbox on the income certification form.
I ALWAYS check the "my income has significantly changed" box so that they let me use paystubs to calculate income instead of tax returns.
You only have to certify once a year. You have the option of certifying again (say if you lost your job or similar), but are not required to. Hilariously, if your income changes upward, you still can pay the lower rate the rest of the year. Income based repayment is a "heads I win, tails you lose" program. |
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Date: June 24th, 2019 10:29 PM Author: cobalt knife 180 (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435240) |
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Date: June 24th, 2019 10:36 PM Author: histrionic mildly autistic menage candlestick maker Happy purim (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435262) |
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Date: June 24th, 2019 11:04 PM Author: silver flickering round eye jap (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38435422) |
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Date: June 25th, 2019 11:22 AM Author: Tan native french chef (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38437225) |
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Date: June 25th, 2019 11:26 AM Author: Self-absorbed brunch There are all sorts of schemes like this...its 180 (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38437255) |
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Date: June 25th, 2019 11:28 AM Author: Gay people who are hurt indirect expression Bookmarking for later (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38437264) |
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Date: March 9th, 2023 7:28 PM Author: Galvanic Forum (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#46031460) |
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Date: July 28th, 2019 3:30 PM Author: spectacular startled half-breed They are cracking down on income based repayment fraud, luckily they are getting at the dumb goyim who claim 30 dependents: https://abcnews.go.com/amp/Politics/wireStory/feds-find-potential-fraud-student-loan-repayment-plans-64575667
Still riding this loophole, but currently have $0 payments for the next year because I had a brief lapse of employment and recalculated income during this period lol. |
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Date: July 28th, 2019 4:25 PM Author: bearded comical school (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#38601728) |
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Date: August 24th, 2022 9:00 PM Author: spectacular startled half-breed (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#45065702) |
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Date: August 24th, 2022 9:05 PM Author: Aggressive roast beef affirmative action This works if your annual income contains a large bonus every year. It makes sense as well because you can’t guarantee you’ll have a giant bonus next year so you certify based on your lower income like you would on child support (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#45065720) |
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Date: August 24th, 2022 10:03 PM Author: sable genital piercing More POWERFUL hack: lose your job and get on unemployment. Update/recertify your income using your unemployment checks as your basis. Enjoy like a $30/month payment for a year. Rinse and repeat as needed. Thanks libs! (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#45065984) |
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Date: March 9th, 2023 7:25 PM Author: spectacular startled half-breed (http://www.autoadmit.com/thread.php?thread_id=4221025&forum_id=2#46031443) |